As you will find if you do even the smallest bit of your own reserach, the two traditional routes to find work are as an FI, or try your luck with an IR.
There are no grants to get the IR, you either take the risk of investing in it yourself, or go down the FI route in the hope that one day you might find someone to pay for it for you, although by then you will most likely have to resit the exams.
you cannot use a FAA IR with a JAA CPL, you would have to convert it, which would still require a twin rating, thus making very little difference in terms of cost to doing the FAA first in your situation.
To work overseas you will need the right to live and work, making the US a no go unless you have that right, or you have to marry someone there. As well as visa issues for wherever you would like to work you would need to have the local qualifications, requiring further investment for the relevant conversions.
A CPL alone will not get you very far, and it surprises me that anyone could spend that much money apparently without looking into it seriously first.